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How to cancel GEICO auto insurance

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Are you thinking about cancelling your GEICO car insurance policy? Once you decide to cancel your GEICO insurance, it will be in your best interest to look up all of your options and research other policies before making the decision. Otherwise, you could end up with a lapse in coverage on your insurance history, which can lead to higher premium costs down the road. This article will take you through the steps on how to cancel your GEICO auto insurance and the various options potentially available to you.

Reasons to cancel auto insurance

Several reasons could motivate you to cancel a car insurance policy, such as customer service dissatisfaction, moving to another state, getting a new car or selling a car, overpriced premiums, a change in marital status or finding a cheaper policy. Each insurance company differs in fees and requirements for cancellation. Once you decide you want to cancel your GEICO auto insurance policy, it is typically best to act quickly and set up new insurance prior to cancelling. 

How to cancel GEICO auto insurance

Cancelling your GEICO auto insurance involves a few easy steps, and only takes a few minutes. While each insurance company is different, GEICO provides a simple process without requiring a cancellation fee. To cancel your policy, you’ll need to have your GEICO policy number on hand and call to speak with a licensed agent. Follow the steps below to cancel your GEICO car insurance:

  • Call (800)-841-1587
  • Ask to speak with a licensed agent.
  • You may be prompted to speak with an Interactive Voice Response (IVR).
  • Say “cancel insurance policy” and then “auto.” 
  • Be ready to state your GEICO policy number

Can you cancel GEICO auto insurance online?

GEICO does not currently offer a feature that enables you to cancel your auto insurance online. The only option is for you to call GEICO directly using the number listed above. You’ll need to either speak with an agent or use the steps guided by the automated feature to cancel your GEICO car insurance. 

Does GEICO have a cancellation fee?

You will not have to pay a GEICO cancellation fee when terminating your insurance policy. Once you call to cancel, the next steps are pretty simple. You may opt to cancel your policy at any time immediately, or set a future cancellation date.

Considerations for cancelling your GEICO policy

GEICO offers flexible solutions for some of the reasons that would make you want to cancel your auto insurance. You should consider researching your options with GEICO if you have moved, changed marital status, won’t be driving temporarily, can’t afford your auto insurance or have found a cheaper car insurance policy. Whether it’s removing a family member from your policy, looking for discounts to make your GEICO car insurance cheaper or receiving a reduced rate, GEICO provides solutions for all of the listed reasons above. You can call the company for assistance on identifying ways to change your policy to fit your needs.

It is always best to do your research and shop around for other car insurance policies before making the decision to cancel. Comparing different policies and what they offer is the best way to decide whether your current auto insurance is right for you. If you’re worried that you’re paying more for auto insurance than you should be, investigate the factors that contribute to the average cost of car insurance and see where you might be above average for your circumstances; Coverage.com breaks down auto insurance rates by state and driver demographics to assist with this process. We also offer a list of the top 2020 car insurance companies, which may be useful if you’re considering alternative providers.

Will I receive a refund or owe money if I cancel?

Whether you will receive a refund or owe money to GEICO depends on your status with the policy payments. You may be entitled to a refund under certain conditions. For example, if you have already paid up front for your entire premium, GEICO will issue a refund for the unused portion. If you are current on all of your payments, you will likely not owe any money. However, if you are past due on any of your payments or recently added a new vehicle to your policy, you will be required to pay the remaining balance in full before cancelling your policy.

Where does GEICO require additional information?

GEICO will likely ask you for your policy number when you cancel. It is always good to have your it on hand when cancelling your GEICO car insurance. If you do not have your policy number on hand, the agent may be able to find it for you by verifying your personal information.

Can someone else cancel my GEICO policy for me?

GEICO requires that only the policyholder cancel the policy. The company will not allow anyone else to cancel the auto insurance policy, unless the individual has legal Power of Attorney for the policyholder. 

Be sure to have another policy before cancelling

If you are set on cancelling your GEICO car insurance policy, it’s important to note that you should set up a policy with another auto insurance provider before cancelling. The recommended course of action is to have a day or two of overlap between the two policies. Even a day without having an auto insurance policy is considered a lapse in coverage and can affect you negatively when searching for car insurance in the future, as well as affecting rates.

Insurance companies determining your premiums will look at multiple factors, including driving record and insurance history. A lapse in coverage can mean that you have been driving uninsured or can’t keep up with your payments. As a result, you may be charged a higher rate.

Consider suspending your policy instead of cancelling

Perhaps you are satisfied with your current policy and do not want to cancel it, but there are other reasons you no longer need an active policy or the same level of coverage. What can you do if you are not planning to drive your vehicle for 30 days or more, are traveling for an extended period of time, have a suspended license or need to repair your car? 

Depending on the circumstances, your insurance company may allow you to suspend your policy — one of several flexible options to help your policy fit your needs. In order to find out if you can suspend your car insurance policy, call a GEICO agent to discuss your options. 

The takeaway

  • You may choose to cancel your GEICO auto insurance policy if you are dissatisfied with the customer service provided, moving to another state, getting a new car or selling a car, having trouble paying your premium or if you have found a cheaper policy.
  • Cancelling GEICO car insurance is a fairly quick and easy process, and does not require a cancellation fee. However, you cannot cancel your car insurance online.
  • GEICO offers flexible solutions under certain circumstances like a change in marital status, keeping a car in storage and relocation, but the best way to explore your options is to call a GEICO agent. 
  • It’s important to have another insurance policy before cancelling your GEICO car insurance to avoid being identified as a risk to insurance companies for having a lapse in coverage.
  • If you like your current policy but will not be driving your vehicle for 30 days or more, look into suspending your policy as an alternative.

There are multiple reasons why you may need to cancel your auto insurance policy. Each insurance company has its own specific requirements for cancellation, so it’s always best to do your research and call your insurance agent to understand the process. 

GEICO makes the cancellation process easy, although there is currently no option to do so online. Be sure to have your GEICO policy number on hand when you call because you will likely be asked for it. However, GEICO offers flexible solutions to fit your changing needs, so before cancelling your auto insurance policy, call a GEICO agent and find out what alternatives may be best.

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